Heath care shouldn’t be a luxury, we all know that, but with the sky rocketing costs of health insurance, health care for many is an unaffordable luxury. In Delaware, there are some good points, and unfortunately, some bad points that affect how much people pay for insurance. The good news is the people of Delaware realize the importance of immunizations, 81% of children are immunized, few people smoke and a low percentage of our children live in poverty. All these good points lead to healthier citizens which mean lower health costs.

Unfortunately a few points such as a high number of binge drinkers, violent crimes and a high infant mortality rate cause Delaware insurance costs to be high. What you as an individual will pay for insurance is based on your health history. It is important to remember that health insurance companies are in business to make money. They want to insure people who won’t need or use the insurance. In Delaware, health insurance companies can look 5 years into your health history to see if you have a pre-existing condition. If they find something, they are permitted to deny health coverage for a pre-existing condition for up to 2 years. In some cases insurance companies will still provide coverage, but be aware it might come with a rider that eliminates any coverage for the pre-existing condition.

When it comes to patient satisfaction, there are two insurance companies that rank high in Delaware for being proactive when it comes to prevention and treatment. One is Blue Cross, Blue Shield and the other is CIGNA Health Care. Both ranked high by people using those plans for treatment and prevention of illnesses. In reality, for many reasons, it pays to lead as healthy of a lifestyle as you can. Your day to day quality of life will be higher and more than likely your individual health care costs will be lower. Delaware health insurance rewards people who look after themselves.